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Many people will assure you that there are specific Camiseta Casemiro , scientific ways to value a business and most people believe that this dark art is only known to the select few who are paid vast sums of money for their services.


If you speak to accountants, business brokers, investors or venture capitalists they can give you chapter and verse on how to apply some of the theories. They can tell you about Enterprise Values, Discounted Cash Flows Camiseta Kiko Casilla , PriceEarnings multiples, and multipliers of Revenue, EBITDA, EBIT and PBT. The explanations will be filled with jargon and after listening for 5 or 10 minutes you'll be sitting there in a trance of confusion.


Even senior corporate lawyers and experienced business people have it set in their minds that those who advise on and buy businesses know exactly what they're talking about and can use their skills to determine an exact valuation for what your business is worth.


In reality Camiseta Marcelo , there's only one real measure of what your business is worth. There's only one key that determines how much you will get for your business or anything else that you want to sell. It's the secret that gets continually overlooked and is the cause of much stress and debate around the business world.


The only real measure of what your business is worth is how much someone else is willing to pay for it. It's that simple. The value of your business is wholly determined by the amount of money someone else would be willing to give you to take it off your hands.


Now, although this is a simple, and much overlooked secret, it doesn't come without its challenges.


The first major challenge is that the potential buyer often won't tell you what they're really willing to pay. This is all part of the negotiation game Camiseta Gareth Bale , and its happening everywhere from the haggling that goes on in a Moroccan souk to employees trying to negotiate a salary increase in offices up and down the country. The object of the game is to find out the real limits of the other person without causing offence or upset.


When someone's buying a business, then they may be able to get all sorts of additional value from it by combining it with their existing operations. And this may make it far more valuable to them that it would be to another buyer. If a business has a product or service that they know they can introduce and sell to their existing customers then it would be worth more to them than to a buyer who serves a different market. A smart buyer will insist that they're not going to pay you for the extra value that they'll be bringing to the deal and that sounds like a logical justification. However, in reality the smart buyer will be willing to buy at any price that still provides an overall healthy profit for them.


The second major challenge is that the buyer will have to justify to their investors why they are willing to pay a certain amount, and that's much easier when it concurs with the formulae and calculations mentioned earlier.


So how does this help you?


You need to understand what the financial criteria are Camiseta Karim Benzema , so that you can know whether the value you want for your business falls within the expected range. If it's outside of the range of valuations (i.e. higher) then you will need a good justification as to why someone should be willing to pay a higher price. This may be down to valuable intellectual property, a strong management team, a loyal customer base, valuable contracts or elements that protect the business by making it hard for competitors to enter the market. All of these factors can help to increase the value of your business.


You also want to talk at length with potential buyers to find out what they plan to do with your business. If you show an interest and explain how you want to make sure the business you've built is looked after Camiseta Toni Kroos , then a buyer will often be willing to share their plans. This can help you to understand what the real value is to them.


And ultimately, the other key factor in valuing your business is what you want and what you are willing to accept. And finding that out is the objective of the game for the buyer, so you may not want to give it away too quickly.

If your mortgage deal is no longer competitive, it may be time to switch. However Camiseta Cristiano Ronaldo , choosing the wrong mortgage could cost you thousands of pounds a year. Here are the most important things to consider when planning to switch mortgages.

Compare mortgages

Your bank may advise you to take on one of their mortgages. Before doing so, make sure you compare all kinds of mortgages and consider taking a mortgage with a different provider - there may well be better mortgage deals elsewhere.

Consider the pros and cons of different types of mortgage

Particularly if you are taking on a long-term mortgage, you need to consider whether interest rates are likely to rise or fall. For low or falling interest rates, you could be better off with a tracker mortgage. If you think rates will rise Camiseta Nacho Fernandez , it may be better to go with a fixed rate mortgage.

Calculate monthly outgoings

You will need to make monthly payments on your mortgage. Consider what these will be and whether you can really afford them on a long-term basis. Also take into account the possibility of losing your job or of a steep rise in interest rates - either of which could cause your mortgage to become unaffordable. Remember, if you do not keep up your monthly instalments, your mortgage provider will have the right to repossess your home.

Consider additional features

Think about your personal circumstances in relation to other features offered with some mortgages. For example, if you regularly receive bonus payments or windfalls of some kind Camiseta Raphael Varane , it may benefit you to have an overpayment option with your mortgage deal. This will allow you to pay in lump sums on top of your monthly payments, meaning you could potentially pay off your mortgage more quickly.

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